CashLoan Inspection Report v4.22

Generated: 2026-02-10 | Source: collection_inspection_data_local.xlsx

Overview
Rows: V:254025 R:7074
1核心监控 (Core Monitoring)
Overall Entrant
8.23%
入催率
Overall DPD5
3.36%
T+6 Overdue
Collection Rate
30.32%
Global Repay
Connect Rate
3.01%
Strategy Exec

到期月回收曲线 (Due Month Recovery Curve)

客群:

* 回收率 = 1 - 剩余本金 / 到期逾期本金。X轴 = 距到期日天数。

Vintage 矩阵 (Risk Matrix)

Overall New User Old User
Recovery Rates
PeriodOverdue RateD1D2D3D4D5D6D7D10D15D30
2026-02-099.25%----------
2026-02-089.21%↑1.05%35.0%↑12.6%---------
2026-02-078.16%↑0.30%22.4%↓7.9%40.4%↑3.1%--------
2026-02-067.86%↑0.48%30.3%↓7.4%37.3%↓10.7%46.4%↓5.0%-------
2026-02-057.38%↓0.50%37.7%↑0.6%48.0%↓2.3%51.3%↓3.8%55.8%↓1.4%------
2026-02-047.88%↓0.29%37.1%↑4.7%50.3%↑4.5%55.1%↑2.7%57.2%↑1.4%59.7%↑2.8%-----
2026-02-038.17%↑0.10%32.4%↓0.5%45.8%↑0.4%52.4%↑1.0%55.8%↑0.6%56.9%↓0.9%58.5%↑0.2%----
2026-02-028.07%↓0.73%33.0%↓5.7%45.5%↓5.5%51.4%↓4.0%55.2%↓3.8%57.7%↓3.9%58.2%↓4.7%59.0%↓4.6%---
2026-02-018.80%↑0.95%38.7%↑8.7%50.9%↑3.3%55.4%↑3.0%59.0%↑3.2%61.7%↑4.1%63.0%↑4.1%63.6%↑3.9%---
2026-01-317.85%↓0.50%30.0%↓6.7%47.6%↑1.9%52.4%↓0.5%55.8%↓1.1%57.6%↓1.5%58.9%↓2.2%59.7%↓3.1%---
2026-01-308.35%↓2.28%36.8%↓9.7%45.7%↓12.9%52.9%↓8.8%56.9%↓8.6%59.1%↓8.9%61.1%↓8.3%62.8%↓7.8%65.7%↓7.1%--
2026-01-2910.63%↑1.33%46.5%↑10.5%58.6%↑4.0%61.7%↑1.1%65.5%↑2.8%68.0%↑3.2%69.4%↑3.0%70.7%↑3.4%72.8%↑3.6%--
2026-01-289.30%↑0.18%35.9%↑2.9%54.6%↑7.3%60.6%↑4.4%62.7%↑3.3%64.8%↑3.9%66.3%↑2.8%67.3%↑2.3%69.2%↑2.0%--
2026-01-279.12%↓0.72%33.0%↓2.2%47.3%56.2%↓0.2%59.4%↓1.9%60.9%↓3.5%63.5%↓2.5%65.0%↓2.1%67.3%↓3.2%--
2026-01-269.84%↑0.93%35.3%↓3.7%47.4%↓2.5%56.4%↑0.6%61.3%↑1.8%64.5%↑1.9%66.0%↑0.8%67.1%70.4%↑1.7%--
2026-01-258.91%↑0.48%39.0%↑12.2%49.9%↑8.3%55.8%↑7.3%59.5%↑5.3%62.6%↑3.5%65.1%↑2.6%67.1%↑3.3%68.7%↑0.8%71.0%-
2026-01-248.43%↑0.57%26.8%↓0.9%41.6%↑9.0%48.4%↑7.1%54.1%↑6.1%59.1%↑8.9%62.5%↑9.2%63.8%↑6.6%67.9%↑7.3%71.0%↑7.6%-
2026-01-237.86%↓0.26%27.7%↓7.5%32.6%↓12.4%41.3%↓6.8%48.1%↓5.0%50.2%↓6.3%53.3%↓5.1%57.2%↓4.0%60.6%↓4.8%63.4%↓5.1%-
2026-01-228.12%↑0.32%35.2%↑1.8%45.0%↓2.7%48.1%↓4.9%53.1%↓2.2%56.5%↓0.5%58.4%↓0.6%61.2%65.4%↓1.4%68.5%↓1.0%-
2026-01-217.80%↓0.33%33.4%↑3.1%47.7%↑4.6%53.1%↑3.3%55.2%↑2.2%57.0%↑2.5%59.0%↑3.2%61.1%↑4.1%66.8%↑4.8%69.5%↑4.4%-
2026-01-208.13%30.3%43.1%49.8%53.0%54.5%55.8%57.0%62.0%65.2%-
DPD Overdue Rates
PeriodOverdue RateDPD1DPD2DPD3DPD4DPD5DPD6DPD7DPD10DPD15DPD30
2026-02-099.25%----------
2026-02-089.21%↑1.05%6.0%↓0.3%---------
2026-02-078.16%↑0.30%6.3%↑0.9%4.9%--------
2026-02-067.86%↑0.48%5.5%↑0.9%4.9%↑1.1%4.2%↑0.6%-------
2026-02-057.38%↓0.50%4.6%↓0.4%3.8%3.6%3.3%↓0.1%------
2026-02-047.88%↓0.29%5.0%↓0.6%3.9%↓0.5%3.5%↓0.3%3.4%↓0.2%3.2%↓0.3%-----
2026-02-038.17%↑0.10%5.5%↑0.1%4.4%3.9%3.6%3.5%↑0.1%3.4%----
2026-02-028.07%↓0.73%5.4%4.4%3.9%3.6%3.4%3.4%↑0.1%3.3%↑0.1%---
2026-02-018.80%↑0.95%5.4%4.3%↑0.2%3.9%↑0.2%3.6%↑0.1%3.4%3.3%3.2%---
2026-01-317.85%↓0.50%5.5%↑0.2%4.1%↓0.4%3.7%↓0.2%3.5%↓0.1%3.3%3.2%3.2%---
2026-01-308.35%↓2.28%5.3%↓0.4%4.5%↑0.1%3.9%↓0.1%3.6%3.4%3.2%3.1%2.9%--
2026-01-2910.63%↑1.33%5.7%↓0.3%4.4%↑0.2%4.1%↑0.4%3.7%↑0.2%3.4%↑0.1%3.3%↑0.1%3.1%2.9%--
2026-01-289.30%↑0.18%6.0%↓0.2%4.2%↓0.6%3.7%↓0.3%3.5%↓0.2%3.3%↓0.3%3.1%↓0.2%3.0%↓0.1%2.9%↓0.1%--
2026-01-279.12%↓0.72%6.1%↓0.3%4.8%↓0.4%4.0%↓0.3%3.7%↓0.1%3.6%3.3%3.2%3.0%--
2026-01-269.84%↑0.93%6.4%↑0.9%5.2%↑0.7%4.3%↑0.4%3.8%↑0.2%3.5%↑0.2%3.4%↑0.2%3.2%↑0.3%2.9%↑0.1%--
2026-01-258.91%↑0.48%5.4%↓0.7%4.5%↓0.5%3.9%↓0.4%3.6%↓0.3%3.3%↓0.1%3.1%2.9%↓0.1%2.8%2.6%↑0.1%-
2026-01-248.43%↑0.57%6.2%↑0.5%4.9%↓0.4%4.3%↓0.3%3.9%↓0.2%3.5%↓0.5%3.2%↓0.5%3.1%↓0.3%2.7%↓0.4%2.5%↓0.4%-
2026-01-237.86%↓0.26%5.7%↑0.4%5.3%↑0.8%4.6%↑0.4%4.1%↑0.3%3.9%↑0.4%3.7%↑0.3%3.4%↑0.2%3.1%↑0.3%2.9%↑0.3%-
2026-01-228.12%↑0.32%5.3%4.5%↑0.4%4.2%↑0.5%3.8%↑0.3%3.5%↑0.2%3.4%↑0.2%3.1%↑0.1%2.8%↑0.2%2.6%↑0.2%-
2026-01-217.80%↓0.33%5.2%↓0.5%4.1%↓0.5%3.7%↓0.4%3.5%↓0.3%3.4%↓0.3%3.2%↓0.4%3.0%↓0.5%2.6%↓0.5%2.4%↓0.5%-
2026-01-208.13%5.7%4.6%4.1%3.8%3.7%3.6%3.5%3.1%2.8%-

MTD 环比分析 (Lift Analysis)

Metric本月 MTD上月 M-1Lift (MoM)前月 M-2去年 Y-1
在贷本金676,707,244694,824,761↓ 2.6%716,526,552-
入催率8.28%9.07%↓ 8.8%8.66%-
DPD15.42%6.17%↓ 12.1%5.83%-
DPD53.38%3.84%↓ 12.1%3.52%-

* 观测进度: 9 天

资产质量趋势 (Due Trends)

Report System v4.22 | Maintainer: Mr. Yuan